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Leveraging FICO’s patented Future Action Impact Modeling technology, the FICO® Credit Capacity Custom Solution provides lenders an effective and objective mechanism for assessing a consumer’s ability to take on incremental debt, enabling lenders to better achieve their overall risk management and performance objectives.
Reduce risk across all lifecycle stages
Reduce portfolio risk and loss through more appropriate credit line decisioning during all lifecycle phases, including account origination, reissue decisions, over-limit authorizations and other account management decisions.
Manage limit increase decisions better
Grant credit increases to consumers who will safely use the new credit and generate positive revenues versus balance builds that may result in write-offs.
Grow and increase loyalty
Broaden customer relationships and increase share of wallet by cross-selling additional credit facilities to highcapacity consumers.